{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-046848","form_type":"8-K","ticker":"FNWD","cik":"0000919864","company_name":"Finward Bancorp","filed_at":"2025-10-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.604167+00:00","generated_at":"2026-05-17T02:06:39.966199+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Finward Bancorp Q3 2025 EPS $0.81, net interest margin expands to 3.04%","bullets":["Net income available to common stockholders $3.5M ($0.81 diluted EPS) vs $2.2M ($0.50) in Q2 2025.","Net interest margin (tax-equivalent) 3.18% vs 3.11% Q2; net interest margin 3.04% vs 2.97%.","Non-interest expense/average assets 2.74% vs 2.90% Q2; efficiency ratio improved to 81.22% from 88.92%.","Tangible book value per share $32.77 vs $30.16 Q2; Tier 1 leverage ratio 8.77%.","Net benefit from credit loss $301k; non-performing loans $13.9M (0.94% of total loans)."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-046848","json":"https://secwatch.observer/filing/0001628280-25-046848.json","markdown":"https://secwatch.observer/filing/0001628280-25-046848.md","text":"https://secwatch.observer/filing/0001628280-25-046848.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/919864/000162828025046848/0001628280-25-046848-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/919864/000162828025046848/fnwd-20251028.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:06:39.966199+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}